Seattle, WA · Cert 32489
FDIC · 59 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=184). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
54
Profitability
2
Liquidity
3
Efficiency
4
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Seattle, WA · Cert 32489
FDIC · 59 branches
Q2 2025
Market Position · Seattle-Tacoma-Bellevue, WA · 2025 SOD (annual) · 2.3% share · #9 of 45 inst. · $3.2B of $140.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | -0.18% | -0.12% | -0.10% | -0.10% | -1.45% | 0.05% | 0.04% | +15 bps | |
| Return on Equity | -2.90% | -2.26% | -1.56% | -1.34% | -1.29% | -18.67% | 0.71% | 0.57% | +191 bps | |
| Net Interest Margin | 1.94% | 1.87% | 1.46% | 1.44% | 1.44% | 1.43% | 1.78% | 1.86% | +42 bps | |
| Efficiency Ratio | 86.54% | 89.12% | 108.52% | 106.22% | 107.11% | 218% | 95.28% | 90.90% | -1,531 bps | |
| Non-Interest Burden | 2.23% | 2.09% | 1.65% | 1.60% | 1.61% | 2.57% | 1.71% | 1.67% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.52% | 0.46% | -4.09% | -2.47% | -2.71% | -13.41% | -17.48% | -17.88% | -1,542 bps | |
| Loan Growth (YoY) | 3.40% | -0.03% | -0.59% | -0.77% | -1.34% | -15.99% | -18.30% | -19.22% | -1,844 bps | |
| Deposit Growth (YoY) | 2.25% | -9.04% | -7.84% | -1.92% | -4.47% | -5.15% | -6.25% | -10.45% | -853 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.66% | 0.79% | 0.64% | 0.72% | 1.03% | 1.09% | 1.13% | +49 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.06% | 0.03% | 0.04% | 0.04% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 0.53% | 0.54% | 0.53% | 0.54% | 0.52% | 0.62% | 0.65% | 0.76% | +23 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.7x | 0.8x | 0.7x | 0.6x | 0.6x | 0.7x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.49% | 8.50% | 8.34% | 8.44% | 8.59% | 7.30% | 8.46% | 8.74% | +30 bps | |
| Total Risk-Based Capital | 13.32% | 13.49% | 13.34% | 13.29% | 13.41% | 13.02% | 13.40% | 13.66% | +37 bps | |
| Equity / Assets | 7.46% | 7.87% | 7.69% | 7.75% | 8.06% | 7.37% | 7.80% | 8.10% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.62% | 109.81% | 114.71% | 113.14% | 114.24% | 97.27% | 99.97% | 102.06% | -1,108 bps | |
| Liquid Assets / Assets | 2.12% | 2.00% | 3.20% | 2.17% | 2.06% | 4.79% | 2.68% | 2.39% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Seattle, WA · Cert 32489 · Peer group: banks $1B-$10B in assets operating regionally (n=184)
FDIC · 59 branches
Q2 2025
Return on Assets
0.05%
Rank 180 of 184
Net Interest Margin
1.86%
Rank 181 of 184
Efficiency Ratio
91.87%
Rank 178 of 184
Equity / Assets
8.10%
Rank 157 of 184
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.05% | 0.84% | 1.11% | 1.39% | Beats 2% | 180 / 184 | ||
| Return on Equity | 0.56% | 7.80% | 11.07% | 14.17% | Beats 2% | 180 / 184 | ||
| Net Interest Margin | 1.86% | 2.97% | 3.36% | 3.72% | Beats 2% | 181 / 184 | ||
| Efficiency Ratio | 91.87% | 55.11% | 60.92% | 69.60% | Beats 4% | 178 / 184 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.13% | 0.29% | 0.56% | 0.99% | Beats 19% | 150 / 184 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.09% | Beats 88% | 23 / 184 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.76% | 11.20% | 12.29% | 13.88% | Beats 58% | 78 / 184 | ||
| Total Risk-Based Capital Ratio | 13.66% | 12.04% | 13.38% | 14.88% | Beats 57% | 80 / 184 | ||
| Equity / Assets | 8.10% | 8.81% | 10.14% | 11.73% | Beats 15% | 157 / 184 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.06% | 81.10% | 89.51% | 95.77% | 89th pctl | 20 / 184 | ||
| Loans / Assets | 78.77% | 69.04% | 75.29% | 80.57% | 66th pctl | 63 / 184 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||